Credit facilities like overdrafts, حدود الأئتمان, etc where no definite repayments are pre-determined shall be treated as past due (غير مقبول), if the outstanding balance remains continuously in excess of 10% of the sanctioned / authorized limit or in cases where the outstanding balance in the principal operating account is less than the sanctioned / authorized limit, but there are not enough credits in the account to cover the interest charged or unauthorized drawings have frequently been allowed.